1. Introduction
Welcome to Plans Plus for Seniors (“we,” “us,” or “our”), operated by Plans Plus Ltd. We are an independent, licensed Medicare insurance brokerage committed to helping seniors navigate their Medicare coverage options.
This Privacy Policy describes how we collect, use, disclose, and safeguard your personal information when you visit our website plansplusforseniors.com, contact us by phone, submit information through our online forms, or engage with us via SMS/text messaging. By using our services, you consent to the practices described in this policy.
We value your privacy and are committed to protecting your personal information. We understand that the information you share with us — including health-related and Medicare-related details — is sensitive, and we treat it with the highest level of care and confidentiality.
2. Information We Collect
We may collect the following types of information when you interact with us:
2.1 Personal Information You Provide
- Contact information: Full name, email address, phone number (including mobile number), and mailing address
- Medicare-related information: Medicare ID, current coverage details, enrollment status, plan preferences, and health-related information you voluntarily share during consultations
- Demographic information: Date of birth, gender, zip code, and county of residence (used to determine plan availability and pricing)
- Communication preferences: Your preferred method of contact and opt-in/opt-out preferences for email, phone, and SMS communications
2.2 Information Collected Automatically
- Website usage data: Pages visited, time spent on pages, links clicked, and referring URLs
- Device information: Browser type, operating system, screen resolution, and device type
- Cookies and tracking technologies: We use cookies, web beacons, and similar technologies to enhance your browsing experience and analyze website traffic (see Section 7 for details)
- IP address: Used for analytics, security, and approximate geographic location
2.3 Information from Phone Calls and Consultations
- Information you provide verbally during phone consultations, including health history and coverage needs
- Notes from consultations to help us provide personalized service and follow-up
- Call recordings (if applicable), with notice provided at the time of the call
3. How We Use Your Information
We use the information we collect for the following purposes:
- To provide Medicare insurance guidance and quotes: We use your information to assess your coverage needs, compare plans, and provide personalized insurance recommendations
- To contact you about coverage options: We may reach out to you regarding Medicare plans, enrollment deadlines, or coverage options you have inquired about — via phone, email, or SMS/text message (with your consent)
- To send SMS/text messages: If you opt in, we will send you text messages related to appointment reminders, enrollment deadlines, plan updates, and responses to your inquiries (see Section 4 for our complete SMS/Text Messaging Policy)
- To conduct annual plan reviews: We proactively review your Medicare coverage each year to ensure you have the most appropriate and cost-effective plan
- To process insurance applications: When you choose to enroll in a plan, we use your information to submit applications to insurance carriers on your behalf
- To improve our services: We analyze website usage data and feedback to enhance our website, services, and client communications
- To comply with legal obligations: We may use your information to comply with applicable laws, regulations, and licensing requirements
Important: We do NOT sell your personal information to third parties. We never have and never will. Your information is used solely to serve you and provide the Medicare guidance you have requested.
4. SMS/Text Messaging Policy
This section describes our SMS/text messaging practices in detail. Plans Plus for Seniors is committed to responsible messaging practices in full compliance with the Telephone Consumer Protection Act (TCPA), the Cellular Telecommunications Industry Association (CTIA) guidelines, and all applicable federal, state, and carrier requirements.
4.1 Consent to Receive SMS Messages
By providing your mobile phone number and checking the SMS/text message consent box on any of our website forms, landing pages, or paper forms, you expressly consent to receive SMS/text messages from Plans Plus for Seniors (operated by Plans Plus Ltd.) at the mobile number you provided. Your consent is being given to Plans Plus for Seniors and Plans Plus Ltd. only — we do not share your consent or mobile number with any third parties for their marketing purposes.
You may receive SMS/text messages related to:
- Appointment confirmations and reminders for scheduled consultations
- Medicare enrollment deadline notifications (Annual Enrollment Period, Open Enrollment Period, Special Enrollment Periods)
- Important plan updates and changes affecting your coverage
- Follow-up information related to your coverage inquiries
- Annual plan review reminders and scheduling
- Responses to questions or requests you have submitted
- Service-related notifications about your account or applications
Consent is not required: Your consent to receive SMS/text messages is NOT a condition of purchasing any insurance product, receiving a quote, or accessing any of our services. You may choose not to opt in to SMS messaging and still receive full service from us through phone calls, email, or in-person consultations.
4.2 Message Frequency
Message frequency varies based on your interactions with us and the nature of your inquiry. Under normal circumstances:
- You may receive approximately 1 to 5 messages per month
- During Medicare enrollment periods (such as the Annual Enrollment Period from October 15 to December 7, or the Open Enrollment Period from January 1 to March 31), message frequency may temporarily increase to ensure you are informed of important deadlines and plan changes
- If you have an active application or pending enrollment, you may receive additional messages related to the status of your application
- Responses to your direct inquiries via text are not counted toward recurring message frequency
4.3 Message and Data Rates
Standard message and data rates may apply depending on your mobile carrier and your individual wireless plan. Plans Plus for Seniors is not responsible for any messaging or data charges imposed by your mobile carrier. Please contact your carrier if you have questions about your messaging plan or potential charges.
4.4 How to Opt Out of SMS Messages
You may opt out of receiving SMS/text messages from Plans Plus for Seniors at any time using any of the following methods:
- Reply STOP: Text the word STOP to any message you receive from us. You may also text STOP, QUIT, END, CANCEL, or UNSUBSCRIBE to opt out
- Call us: Call 1-855-937-4600 and request to be removed from our SMS messaging list
- Email us: Send an email to jpeltz@plansplusltd.com with the subject line “SMS Opt-Out” and include the mobile phone number you wish to remove
After you opt out, you will receive one final confirmation message acknowledging your opt-out request. No further messages will be sent to you unless you re-subscribe at a later date.
Please note: Opting out of SMS/text messages will NOT affect your ability to receive services from Plans Plus for Seniors through other communication channels, including phone, email, and mail. Your insurance coverage and our commitment to serving you remain unchanged.
4.5 Help and Support
If you are experiencing issues with our SMS messages or need assistance:
- Reply HELP: Text the word HELP to any message you receive from us for assistance and our contact information
- Call us: 1-855-937-4600 (toll-free, Monday through Friday)
- Email us: jpeltz@plansplusltd.com
4.6 Supported Carriers
Our SMS messaging service is designed to work with all major United States mobile carriers, including but not limited to:
| Major Carriers | Additional Supported Carriers |
|---|
| AT&T | U.S. Cellular |
| Verizon Wireless | Cricket Wireless |
| T-Mobile | Metro by T-Mobile |
| Sprint (now part of T-Mobile) | Boost Mobile |
| Google Fi | Consumer Cellular |
Service is available on most major carriers in the United States. Carriers are not liable for delayed or undelivered messages. Delivery of messages is subject to the effective transmission by your wireless carrier and their network availability. T-Mobile is not liable for delayed or undelivered messages.
4.7 SMS Data Privacy and No Third-Party Sharing
We take the privacy of your mobile information seriously. The following commitments apply specifically to information collected in connection with our SMS/text messaging program:
- Your mobile phone number and any information collected through SMS interactions will not be shared with third parties for their own marketing or promotional purposes
- We will only use your phone number to send you messages that you have expressly consented to receive from Plans Plus for Seniors
- Your mobile information (including your phone number, opt-in status, and message history) will not be sold, rented, leased, or otherwise disclosed to any third party for promotional purposes
- We may share your mobile number with our SMS service provider solely for the purpose of delivering messages on our behalf. Our service provider is contractually bound to use your information only for this purpose and is required to protect your data in accordance with applicable law
- We may disclose your information if required by law, regulation, subpoena, court order, or other governmental request
Our pledge: Your mobile phone number and SMS opt-in data will never be shared with or sold to third parties or affiliates for marketing purposes. This commitment is absolute and unconditional.
4.8 SMS Terms Summary
By opting in to SMS messages from Plans Plus for Seniors, you agree to the following terms:
- Program Name: Plans Plus for Seniors SMS Notifications
- Sponsor: Plans Plus for Seniors, operated by Plans Plus Ltd.
- Message Types: Appointment reminders, enrollment deadline alerts, plan update notifications, inquiry follow-ups, and service-related messages
- Message Frequency: Varies; typically 1–5 messages per month (may increase during enrollment periods)
- Opt-Out: Reply STOP at any time to unsubscribe
- Help: Reply HELP or call 1-855-937-4600
- Cost: Message and data rates may apply
- Carriers: All major U.S. carriers supported
- Privacy: No mobile information will be shared with third parties for marketing purposes
5. How We Share Your Information
We do not sell your personal information. We may share your information only in the following limited circumstances:
- With insurance carriers: When you authorize us to obtain quotes or submit an application on your behalf, we share the necessary information with the relevant insurance carriers. This sharing occurs only with your explicit authorization and only to the extent required to process your request
- With service providers: We may share information with trusted third-party service providers who help us operate our business, including website hosting providers, email service providers, SMS service providers, and customer relationship management (CRM) platforms. These providers are contractually obligated to protect your information and use it solely for the services they provide to us
- As required by law: We may disclose your information when required by law, subpoena, court order, or governmental regulation, or when we believe in good faith that disclosure is necessary to protect our rights, your safety, or the safety of others
- Business transfers: In the event of a merger, acquisition, or sale of all or a portion of our assets, your personal information may be transferred as part of that transaction. You will be notified via email or prominent notice on our website of any such change
We NEVER sell your personal information. Plans Plus for Seniors has never sold, and will never sell, your personal data to third parties for advertising, marketing, or any other commercial purpose.
6. Data Security
We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:
- Secure, encrypted connections (SSL/TLS) for data transmitted through our website
- Access controls limiting employee access to personal information on a need-to-know basis
- Regular review and updating of our security practices
- Secure storage of physical records containing personal information
While we strive to use commercially acceptable means to protect your personal information, please be aware that no method of electronic transmission over the internet or method of electronic storage is 100% secure. We cannot guarantee the absolute security of your information but are committed to maintaining the highest reasonable standard of data protection.
7. Cookies and Tracking Technologies
We use cookies and similar tracking technologies to improve your experience on our website and to understand how visitors use our site. The types of cookies we may use include:
- Essential cookies: Required for the website to function properly (e.g., form submissions, navigation)
- Analytics cookies: We use Google Analytics to collect anonymous information about website traffic, page views, and user behavior. This data helps us improve our website and content
- Functionality cookies: Used to remember your preferences and settings to enhance your browsing experience
You can control and manage cookies through your browser settings. Most browsers allow you to block or delete cookies. Please note that disabling certain cookies may affect the functionality of our website.
Google Analytics uses cookies to collect data about website visitors. You can learn more about how Google uses your data by visiting Google’s Privacy Policy. You can opt out of Google Analytics tracking by installing the Google Analytics Opt-out Browser Add-on.
8. Your Rights
Depending on your location and applicable law, you may have the following rights with respect to your personal information:
- Right to access: You may request a copy of the personal information we hold about you
- Right to correction: You may request that we correct any inaccurate or incomplete information
- Right to deletion: You may request that we delete your personal information, subject to certain legal obligations that may require us to retain it
- Right to opt out of marketing: You may opt out of marketing communications at any time by following the unsubscribe instructions in our emails, replying STOP to our text messages, or contacting us directly
- Right to data portability: Where applicable, you may request your personal information in a structured, commonly used format
California Residents — CCPA Rights
If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including:
- The right to know what personal information we collect, use, disclose, and sell (we do not sell personal information)
- The right to request deletion of your personal information
- The right to opt out of the sale of your personal information (not applicable — we do not sell personal information)
- The right to non-discrimination for exercising your CCPA rights
To exercise any of these rights, please contact us using the information provided in Section 11 below. We will respond to verified requests within the timeframes required by applicable law.
9. Children’s Privacy
Our services are designed for individuals who are eligible for or enrolled in Medicare and are not directed to individuals under the age of 18. We do not knowingly collect personal information from children under 18 years of age. If we become aware that we have inadvertently collected personal information from a child under 18, we will take immediate steps to delete that information from our records.
If you are a parent or guardian and believe that your child has provided us with personal information, please contact us immediately at jpeltz@plansplusltd.com so we can take appropriate action.
10. Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, technologies, legal requirements, or other factors. When we make changes to this policy:
- The updated policy will be posted on this page with a revised “Last Updated” date at the top
- If the changes are material, we may notify you by email or by placing a prominent notice on our website
- Your continued use of our website and services after the updated policy has been posted constitutes your acceptance of the changes
We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information.
11. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy, our data practices, or your personal information, please contact us using any of the methods below: